Capital One

Capital One Spark Cash Plus

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🇺🇸 United States · Capital One

Capital One Spark Cash Plus

Name: Capital One Spark Cash Plus
Brand: Capital One
Rating: 4.5 (50 reviews)

High-spend small business — 2% flat with $1,200 welcome.

4.5 / 5

Joining fee

Annual fee

$150

Top reward

Min income

—

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5-year value calculator

How much Capital One Spark Cash Plus actually pays you over time, net of annual fees.

Your monthly spend$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$360

Annual fee−$150

Welcome bonus (year 1 only)+$1,200

Cumulative net value

+$2,250

over 5 years

Year 1

$1,410

+$1,410/yr

Year 2

$1,620

+$210/yr

Year 3

$1,830

+$210/yr

Year 4

$2,040

+$210/yr

Year 5

$2,250

+$210/yr

Year 1 (with bonus)

$1,410

Year 2+ (steady state)

$210/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

Everything else

📈

🎁

Welcome bonus

$1,200 cash bonus after $30,000 spend in first 3 months

What you get

Unlimited 2% cashback on every purchase
5% on hotels and rental cars via Capital One Travel
No preset spending limit
Annual fee refund of $150 if you spend $150K/year
No foreign transaction fees

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min credit score

720+

Self-employed

Eligible

MatchYour SaaS · pays best on this card

Best SaaS to pay with the Capital One Spark Cash Plus

The SaaS subscriptions where Capital One Spark Cash Plus earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹2,43,270/yr.

Top match

Business cashback